The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$20,542
−HK$1,288/mo
▼ 0.25% · 3.875%
HK$21,180
−HK$650/mo
Today · 4.125%
HK$21,830
baseline
▲ 0.50% · 4.625%
HK$23,158
+HK$1,328/mo
Deposit HK$4.50M · loan HK$4.50M · min. income ≈ HK$43,660/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$270,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,852
−HK$1,235/mo
▼ 0.25% · 3.875%
HK$23,465
−HK$622/mo
Today · 4.125%
HK$24,087
baseline
▲ 0.50% · 4.625%
HK$25,357
+HK$1,270/mo
Deposit HK$4.50M · loan HK$4.50M · min. income ≈ HK$48,174/mo (50% DSR)
Upfront cash ≈ HK$4.78M (deposit + AVD stamp duty HK$270,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,650
−HK$1,546/mo
▼ 0.25% · 3.875%
HK$25,417
−HK$779/mo
Today · 4.125%
HK$26,196
baseline
▲ 0.50% · 4.625%
HK$27,790
+HK$1,594/mo
Deposit HK$3.60M · loan HK$5.41M · min. income ≈ HK$52,392/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$270,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,423
−HK$1,481/mo
▼ 0.25% · 3.875%
HK$28,158
−HK$746/mo
Today · 4.125%
HK$28,904
baseline
▲ 0.50% · 4.625%
HK$30,428
+HK$1,524/mo
Deposit HK$3.60M · loan HK$5.41M · min. income ≈ HK$57,808/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$270,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,758
−HK$1,804/mo
▼ 0.25% · 3.875%
HK$29,653
−HK$909/mo
Today · 4.125%
HK$30,562
baseline
▲ 0.50% · 4.625%
HK$32,421
+HK$1,859/mo
Deposit HK$2.70M · loan HK$6.31M · min. income ≈ HK$61,124/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$270,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,993
−HK$1,729/mo
▼ 0.25% · 3.875%
HK$32,851
−HK$871/mo
Today · 4.125%
HK$33,722
baseline
▲ 0.50% · 4.625%
HK$35,499
+HK$1,777/mo
Deposit HK$2.70M · loan HK$6.31M · min. income ≈ HK$67,444/mo (50% DSR)
Upfront cash ≈ HK$2.97M (deposit + AVD stamp duty HK$270,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,975
−HK$2,318/mo
▼ 0.25% · 3.875%
HK$38,125
−HK$1,168/mo
Today · 4.125%
HK$39,293
baseline
▲ 0.50% · 4.625%
HK$41,684
+HK$2,391/mo
Deposit HK$901K · loan HK$8.11M · min. income ≈ HK$78,586/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$270,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,134
−HK$2,222/mo
▼ 0.25% · 3.875%
HK$42,237
−HK$1,119/mo
Today · 4.125%
HK$43,356
baseline
▲ 0.50% · 4.625%
HK$45,642
+HK$2,286/mo
Deposit HK$901K · loan HK$8.11M · min. income ≈ HK$86,712/mo (50% DSR)
Upfront cash ≈ HK$1.17M (deposit + AVD stamp duty HK$270,843 · Scale 2, in force from 26 Feb 2026)
Up to 90% LTV is available for self-use properties at HK$10M or below under the Mortgage Insurance Programme (first-time buyers).